INTRODUCTION

Desmond Credit Union Limited (“we“, “us“, “our“) respects your right to privacy and is committed to protecting and respecting your privacy. This Cookies Policy (together with our Website Terms & Conditions and Privacy Statement sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we treat it.

We may change this Cookies Policy from time to time by updating this page. You should check this page from time to time to ensure you are happy with any changes.

WHAT ARE COOKIES

Cookies are small files that store information on your hard drive or browser that means that the website can recognise that you have visited the website before. They make it easier for you to maintain your preferences on the website, and by seeing how you use the website we can tailor the website around your preferences and measure usability of the website.

USE OF COOKIES

We may obtain information about your general Internet usage by using a cookie file which is stored on your browser or the hard drive of your computer. Cookies contain information that is transferred to your computer’s hard drive. They help us to improve our website and to deliver a better and more personalised service. Some of the cookies we use are essential for the Website to operate.

You block cookies by activating the setting on your browser which allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon as you visit the website.

We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration, to help us provide a better service; to record session information and/or to assist you in browsing the website. This may in some instances only be statistical data about how you browse our website through online tracking.

For the same reason, we may obtain information about your usage of the website by using a cookie file which is stored on the hard drive of your computer. Cookies contain information that is transferred to your computer’s hard drive. Cookies help us to improve the website and to deliver a better and more personalised service. They enable us:

  • to estimate usage numbers and patterns;
  • to store information about your preferences, and so allow us to customise the website according to your individual interests;
  • to speed up your searches; and
  • to recognise you when you return to the website.

The website uses Google Analytics to collect information about how visitors use the website. The Cookies used by this product collect information in an anonymous form and are used by many different websites. If you wish to opt out of being tracked by Google Analytics across all websites, please visit http://tools.google.com/dlpage/gaoptout.

We use service providers such as Google Analytics, which use cookies and other similar technologies, to collect information about use of the Sites anonymously and report website trends, without identifying individual visitors.

We don’t use cookies to track people’s Internet usage after leaving our sites.

CHANGING YOUR COOKIE SETTINGS

You are not obliged to accept cookies that we send to you and you can in fact modify your browser so that it will not accept cookies. To enable or disable cookies, follow the instructions provided by your browser (usually located within the Help, Tools or Edit facility). Alternatively, go to http://www.allaboutcookies.org/manage-cookies/ which will provide specific information about cookies and how to manage them to suit your preferences.

Please note that should you choose to set your browser to disable cookies, you may not be able to access secure areas of this Site, for example any online accounts you may hold.

YOUR RIGHTS

You have rights under the Irish Data Protection Bill 2018 and EU General Data Protection Regulations.

You have the right to ask us not to process your personal data for marketing purposes and to ‘opt out’ from consent. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us at info@desmondcu.ie.

You also have the right to access information held about you. Your right of access can be exercised in accordance with the Acts and Regulations. Any data access request may be made in providing you with details of the information we hold about you.

Your obligations in using the site, is to provide true, accurate, current and complete information. If Desmond Credit Union has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Desmond Credit Union has the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof).  You are entirely responsible for the security and confidentiality of your password and account. Furthermore, you are entirely responsible for any and all activities that occur under your account.

CHANGES TO OUR COOKIE POLICY

By using the Site, you are accepting the practices described in this Cookie Policy. If you do not agree to the terms of this Policy, please do not use the Site.

We reserve the right to modify or amend the terms of our Cookie Policy from time to time.  We will post any Cookie Policy changes on this page, and if the changes are material, we will provide a more prominent notice. Your continued use of the Sites following the posting of changes to these terms will mean you accept those changes.  If we intend to apply the modifications or amendments to this Cookie Policy retroactively or to personal information already in our possession, we will provide you with notice of the modifications or amendments and if required by law, obtain your consent.

If you have any concerns about material which appears on the website, please contact us at info@desmondcu.ie